v2.4.0.8

DERIVATIVE INSTRUMENTS (Tables)

3 Months Ended

Mar. 31, 2014

DERIVATIVE INSTRUMENTS [Abstract]

Derivative Instruments Fair Value and Balance Sheet Location

The following table presents the Company’s derivative financial instruments, their estimated fair values, and balance sheet location as of March 31, 2014:

(000's omitted)		Location	Notional	Fair Value
Derivatives not designated as hedging instruments:
Forward sales commitments		Other assets	$3,874	$9
Commitments to originate real estate loans for sale		Other assets	4,064	67
Total derivatives				$76

Derivative Instruments and Location of Net Gain or Loss In Statement of Income

The following table presents the Company’s derivative financial instruments and the location of the net gain or loss recognized in the statement of income for the three months ended March 31, 2014:

(000's omitted)	Location		Gain recognized in the Statement of Income for the Three Months Ending March 31, 2014
Forward sales commitments	Mortgage banking and other services		($18)
Commitments to originate real estate     loans for sale	Mortgage banking and other services		23
Total			$5

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- Definition

Tabular disclosure of the location and amount of derivative instruments and nonderivative instruments designated as hedging instruments reported before netting adjustments, and the amount of gain (loss) on derivative instruments and nonderivative instruments designated and qualified as hedging instruments.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 815

-SubTopic 10

-Section 50

-Paragraph 4A

-Subparagraph (b)

-URI http://asc.fasb.org/extlink&oid=7476318&loc=SL5618551-113959



Reference 2: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 815

-SubTopic 10

-Section 50

-Paragraph 4C

-URI http://asc.fasb.org/extlink&oid=7476318&loc=SL5624171-113959

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- Definition

Tabular disclosure of the location and fair value amounts of derivative instruments (and nonderivative instruments that are designated and qualify as hedging instruments) reported in the statement of financial position.

+ References

Reference 1: http://www.xbrl.org/2003/role/presentationRef

-Publisher FASB

-Name Accounting Standards Codification

-Topic 815

-SubTopic 10

-Section 50

-Paragraph 4B

-URI http://asc.fasb.org/extlink&oid=7476318&loc=SL5624163-113959

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